Cashback, rewards, and credit-building cards built around a clean, mobile-first banking app. Real categories. Real benefits. No outdated banking experience.
Credit Card
Everyday Cashback
Up to 5% back
1M+
Canadian customers
4.7★
App store rating
Up to 5%
Cashback on spend
0%
Outdated banking
Cashback on real categories. A clean mobile app. Notifications that matter. No outdated branch-era UX.
Earn on groceries, gas, dining, bills, and the things you actually spend on every week.
A modern app built for your phone — not a desktop website awkwardly squeezed onto mobile.
Every tap, every purchase, every reward — pushed to your phone the second it happens.
Card lock, virtual numbers, and fraud alerts come standard. Not an upsell.
Add your card to your phone and tap-to-pay anywhere contactless is accepted.
Secured and unsecured options that report to Canadian bureaus so on-time habits actually count.
Four cards. Real benefits. Built around a modern mobile banking experience.
Credit Card
Neo Standard Mastercard
Up to 5% back
Cashback on groceries, gas, dining, and everyday Canadian spending — with a modern mobile-first app.
Apply in minutes — simple, modern, fully digital.
Credit Card
Neo World Mastercard
Accelerated earn
Accelerated rewards on the everyday categories Canadian households actually spend on.
Apply in minutes — simple, modern, fully digital.
Credit Card
Neo World Elite Mastercard
Top-tier benefits
Top-tier rewards on travel, dining, and lifestyle — built for higher-spending Canadians.
Apply in minutes — simple, modern, fully digital.
Credit Card
Neo Secured Mastercard
Refundable deposit
Secured card with a refundable deposit — a modern, mobile-first way for Canadians to build credit.
Apply in minutes — simple, modern, fully digital.
Eligibility, rates, and benefits are determined by the card issuer and may change.
A clean, mobile-first app designed for how Canadians actually bank — track cashback, control your card, and get instant clarity on every transaction.
Live cashback tracking
Watch rewards land in real time — never wait for a statement to know what you earned.
Smart spending insights
Automatic category breakdowns show exactly where your money is going every week.
Instant card controls
Lock your card, freeze foreign payments, or generate a virtual number in one tap.
Push notifications
Every purchase, every reward, every alert — delivered the moment it happens.
Rewards, premium perks, security, and a clean app — built around how you actually spend.
Up to 5% back on top categories and 1–2% on everyday spending.
Travel-ready features, lifestyle partners, and exclusive premium benefits.
Secured options with refundable deposits that report to Canadian credit bureaus.
Apply online in minutes from your phone — no branch visits required.
Card lock, fraud monitoring, and virtual numbers built in from day one.
Manage everything from a clean modern app — the way banking should feel.
Modern banking shouldn't mean trade-offs. Get the rewards, the app experience, and the security all in one place — designed in Canada, for Canadians.
1M+ Canadians
Modern cards
App-first
Secure
Cashback. Rewards. Credit-building. All powered by a modern Canadian banking experience.
See all cards